@utilix-tech/mcp 0.33.0 → 0.35.0

package/CHANGELOG.md

@@ -2,6 +2,14 @@
 
 Full release notes for all Utilix surfaces (browser tools, REST API, SDKs, MCP server) live at [utilix.tech/changelog](https://utilix.tech/changelog). This file tracks just this package.
 
+## 0.35.0
+- Add `build_referrer_policy` tool: build a Referrer-Policy header value from one or more policy tokens with a plain-English explanation of each and warnings for risky choices like unsafe-url.
+- Add `generate_markdown_toc` tool: scan a Markdown document's ATX headings and build a nested table of contents with GitHub-style anchor slugs, disambiguating duplicates.
+
+## 0.34.0
+- Add `lint_conventional_commit` tool: lint a git commit message against the Conventional Commits v1.0.0 spec, checking header format, blank-line separation, footer tokens, and BREAKING CHANGE casing.
+- Add `calculate_savings_goal` tool: solve for months to reach a savings goal at a fixed monthly contribution, or the monthly contribution required to hit a goal by a target month count.
+
 ## 0.33.0
 - Add `analyze_sentence_lengths` tool: histogram of sentence lengths in words, plus mean, median, standard deviation, and a coefficient-of-variation consistency label, distinct from readability grade scores.
 - Add `format_few_shot_examples` tool: format input/output example pairs into a numbered, XML-tagged, or delimiter-separated few-shot prompt template.

package/README.md

@@ -1,6 +1,6 @@
 # @utilix-tech/mcp
 
-MCP server exposing 152 developer utility tools to Claude, Cursor, VS Code Copilot, and any [Model Context Protocol](https://modelcontextprotocol.io) compatible AI assistant.
+MCP server exposing 156 developer utility tools to Claude, Cursor, VS Code Copilot, and any [Model Context Protocol](https://modelcontextprotocol.io) compatible AI assistant.
 
 No API key required. All tools run locally. Requires Node.js 18 or later.
 
@@ -156,7 +156,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `convert_timezone` | Convert a date/time between timezones |
 | `convert_iso8601_duration` | Parse an ISO 8601 duration into components and total seconds, or format seconds into a duration string |
 
-### Units (21 tools)
+### Units (22 tools)
 | Tool | Description |
 |------|-------------|
 | `convert_bytes` | Convert between B, KB, MB, GB, TB, KiB, MiB, GiB, TiB |
@@ -180,8 +180,9 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `calculate_video_bitrate` | Calculate a video's file size from a bitrate and duration, or the bitrate needed to hit a target file size |
 | `calculate_rule_of_72` | Estimate years to double an investment from a rate, or the rate needed to double in a given number of years, via the Rule of 72 shortcut and the exact logarithmic result |
 | `calculate_emi` | Compute the Equated Monthly Installment for a loan from principal, annual rate, and tenure in years or months, with a year-by-year principal/interest breakdown |
+| `calculate_savings_goal` | Solve for months to reach a savings goal at a fixed monthly contribution, or the monthly contribution required to hit a goal by a target month count |
 
-### API / Network (12 tools)
+### API / Network (13 tools)
 | Tool | Description |
 |------|-------------|
 | `decode_jwt` | Decode a JWT: header, payload, and expiry |
@@ -195,6 +196,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `validate_robots_txt` | Validate a robots.txt file: User-agent groups, rules, and directive syntax |
 | `parse_user_agent` | Parse a browser User-Agent string into browser, engine, OS, and device type |
 | `build_cache_control` | Build and explain an HTTP Cache-Control response header from directives (max-age, no-store, immutable, etc.) |
+| `build_referrer_policy` | Build and explain an HTTP Referrer-Policy header from one or more fallback-chain policy tokens |
 | `parse_ipv6_address` | Expand an IPv6 address to its full 8-group form or compress it to its RFC 5952 canonical shortest form, classify its address type, and handle an embedded IPv4 suffix or zone ID |
 
 ### Color (4 tools)
@@ -205,7 +207,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `color_palette` | Generate a color palette from a base color |
 | `color_shades` | Generate shades or tints from a base color |
 
-### Code (10 tools)
+### Code (11 tools)
 | Tool | Description |
 |------|-------------|
 | `format_sql` | Format a SQL query with proper indentation |
@@ -218,8 +220,9 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `lookup_mime` | Look up the MIME type for a file extension, or the extension(s) for a MIME type |
 | `parse_github_url` | Parse a github.com URL (repo, pull request, issue, commit, file, or release) into structured components |
 | `detect_redos` | Statically flag catastrophic-backtracking (ReDoS) risk in a regex: nested quantifiers, overlapping alternation, adjacent overlapping quantifiers |
+| `lint_conventional_commit` | Lint a commit message against the Conventional Commits v1.0.0 spec: header format, blank-line separation, footer tokens, and BREAKING CHANGE casing |
 
-### Data (7 tools)
+### Data (8 tools)
 | Tool | Description |
 |------|-------------|
 | `validate_yaml` | Validate YAML syntax |
@@ -229,6 +232,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `format_ndjson` | Validate and pretty-print newline-delimited JSON (NDJSON) |
 | `diff_env_example` | Diff a .env file against its .env.example template: flags keys missing from either side, plus empty placeholder values |
 | `parse_markdown_front_matter` | Split a Markdown document into its YAML front matter fields and body content |
+| `generate_markdown_toc` | Scan a Markdown document's ATX headings and build a nested table of contents with GitHub-style anchor slugs |
 
 ### CSS (2 tools)
 | Tool | Description |

package/dist/index.js

@@ -4157,6 +4157,66 @@ server.tool(
     return text(JSON.stringify(result, null, 2));
   }
 );
+var _REFERRER_POLICY_VALUES_MCP = [
+  "no-referrer",
+  "no-referrer-when-downgrade",
+  "origin",
+  "origin-when-cross-origin",
+  "same-origin",
+  "strict-origin",
+  "strict-origin-when-cross-origin",
+  "unsafe-url"
+];
+var _REFERRER_POLICY_INFO_MCP = {
+  "no-referrer": { explanation: "Never sends the Referer header, on any request. The strictest option; the destination learns nothing about where the request came from.", leaksPathAndQuery: false, sentOnDowngrade: false },
+  "no-referrer-when-downgrade": { explanation: "Sends the full URL (origin, path, and query string) for same-security-level or upgrading requests, but omits the header entirely when navigating from HTTPS to HTTP. This was the legacy browser default before strict-origin-when-cross-origin.", leaksPathAndQuery: true, sentOnDowngrade: false },
+  origin: { explanation: "Sends only the origin (scheme, host, and port) on every request, same-origin or cross-origin, including on a downgrade. The path and query string are always stripped.", leaksPathAndQuery: false, sentOnDowngrade: true },
+  "origin-when-cross-origin": { explanation: "Sends the full URL for same-origin requests, but only the origin for cross-origin requests. Still sends the origin on a downgrade.", leaksPathAndQuery: true, sentOnDowngrade: true },
+  "same-origin": { explanation: "Sends the full URL for same-origin requests, and no Referer header at all for cross-origin requests.", leaksPathAndQuery: true, sentOnDowngrade: false },
+  "strict-origin": { explanation: "Sends only the origin, and only when the security level stays the same or improves (HTTPS to HTTPS, or HTTP to anything). Nothing is sent on a downgrade from HTTPS to HTTP.", leaksPathAndQuery: false, sentOnDowngrade: false },
+  "strict-origin-when-cross-origin": { explanation: "Sends the full URL for same-origin requests, only the origin for cross-origin requests at the same or better security level, and nothing at all on a downgrade. This is the current browser default when no policy is set.", leaksPathAndQuery: true, sentOnDowngrade: false },
+  "unsafe-url": { explanation: "Always sends the full URL, including path and query string, on every request, even on a downgrade from HTTPS to HTTP. Generally discouraged: query strings can carry session tokens or other sensitive data that then leaks to third-party destinations and to the network on an insecure connection.", leaksPathAndQuery: true, sentOnDowngrade: true }
+};
+function _buildReferrerPolicyMcp(policies) {
+  const trimmed = policies.map((p) => p.trim()).filter((p) => p !== "");
+  if (trimmed.length === 0) return { error: "At least one policy value is required" };
+  const entries = [];
+  for (const value of trimmed) {
+    if (!_REFERRER_POLICY_VALUES_MCP.includes(value)) {
+      return { error: `'${value}' is not a valid Referrer-Policy value. Valid values: ${_REFERRER_POLICY_VALUES_MCP.join(", ")}` };
+    }
+    entries.push({ value, ..._REFERRER_POLICY_INFO_MCP[value] });
+  }
+  const warnings = [];
+  const last = entries[entries.length - 1];
+  if (last.value === "unsafe-url") {
+    warnings.push("unsafe-url sends the full URL, including query strings, on every request, even over an insecure downgrade. Prefer strict-origin-when-cross-origin unless you have a specific reason to leak full URLs.");
+  }
+  if (entries.length > 1 && entries.some((e, i) => i !== entries.length - 1 && e.value === last.value)) {
+    warnings.push("The same policy value appears more than once in the fallback chain, which has no effect beyond the first occurrence.");
+  }
+  const header = entries.map((e) => e.value).join(", ");
+  return {
+    header,
+    headerName: "Referrer-Policy",
+    snippet: `Referrer-Policy: ${header}`,
+    metaTag: `<meta name="referrer" content="${last.value}">`,
+    policies: entries,
+    warnings
+  };
+}
+server.tool(
+  "build_referrer_policy",
+  "Build an HTTP Referrer-Policy response-header value from one or more policy tokens (a fallback chain per the Referrer Policy spec), with a plain-English explanation of each token and warnings for risky choices like unsafe-url. Pure string assembly and lookup, not validated against live request traffic.",
+  {
+    policies: z.array(z.enum(_REFERRER_POLICY_VALUES_MCP)).min(1).describe('One or more Referrer-Policy tokens forming a fallback chain, e.g. ["strict-origin-when-cross-origin"]')
+  },
+  async ({ policies }) => {
+    const result = _buildReferrerPolicyMcp(policies);
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
 function _isValidIpv6HexGroup(g) {
   return /^[0-9a-fA-F]{1,4}$/.test(g);
 }
@@ -5638,5 +5698,288 @@ server.tool(
     return text(JSON.stringify(result, null, 2));
   }
 );
+function _stripInlineMarkdownMcp(text2) {
+  return text2.replace(/(\*\*\*|___)(.+?)\1/g, "$2").replace(/(\*\*|__)(.+?)\1/g, "$2").replace(/(\*|_)(.+?)\1/g, "$2").replace(/`([^`]+)`/g, "$1").replace(/!\[([^\]]*)\]\([^)]*\)/g, "$1").replace(/\[([^\]]+)\]\([^)]*\)/g, "$1").trim();
+}
+function _slugifyHeadingMcp(text2, seen) {
+  let slug = text2.toLowerCase().trim().replace(/[^\p{L}\p{N}\s_-]/gu, "").replace(/\s/g, "-");
+  const count = seen.get(slug) ?? 0;
+  seen.set(slug, count + 1);
+  if (count > 0) slug = `${slug}-${count}`;
+  return slug;
+}
+function _generateMarkdownTocMcp(markdown, minLevel, maxLevel, ordered) {
+  if (typeof markdown !== "string" || markdown.trim() === "") return { error: "markdown is required" };
+  if (!Number.isInteger(minLevel) || !Number.isInteger(maxLevel) || minLevel < 1 || minLevel > 6 || maxLevel < 1 || maxLevel > 6 || minLevel > maxLevel) {
+    return { error: "minLevel and maxLevel must be integers between 1 and 6, with minLevel <= maxLevel" };
+  }
+  const lines = markdown.replace(/\r\n/g, "\n").split("\n");
+  const entries = [];
+  const seen = /* @__PURE__ */ new Map();
+  let inFence = false;
+  let fenceMarker = "";
+  for (const line of lines) {
+    const fenceMatch = line.match(/^\s*(```+|~~~+)/);
+    if (fenceMatch) {
+      if (!inFence) {
+        inFence = true;
+        fenceMarker = fenceMatch[1][0];
+      } else if (fenceMatch[1][0] === fenceMarker) {
+        inFence = false;
+      }
+      continue;
+    }
+    if (inFence) continue;
+    const headingMatch = line.match(/^(#{1,6})\s+(.+?)\s*#*\s*$/);
+    if (!headingMatch) continue;
+    const level = headingMatch[1].length;
+    const text2 = _stripInlineMarkdownMcp(headingMatch[2]);
+    if (text2 === "") continue;
+    const slug = _slugifyHeadingMcp(text2, seen);
+    if (level < minLevel || level > maxLevel) continue;
+    entries.push({ level, text: text2, slug });
+  }
+  if (entries.length === 0) return { error: "No headings found in the given level range" };
+  const baseLevel = Math.min(...entries.map((e) => e.level));
+  const counters = [0, 0, 0, 0, 0, 0, 0];
+  const tocLines = entries.map((e) => {
+    const indent = "  ".repeat(e.level - baseLevel);
+    if (ordered) {
+      counters[e.level] = (counters[e.level] ?? 0) + 1;
+      for (let l = e.level + 1; l < counters.length; l++) counters[l] = 0;
+      return `${indent}${counters[e.level]}. [${e.text}](#${e.slug})`;
+    }
+    return `${indent}- [${e.text}](#${e.slug})`;
+  });
+  return { toc: tocLines.join("\n"), entries };
+}
+server.tool(
+  "generate_markdown_toc",
+  "Scan a Markdown document's ATX headings (# through ######) and build a nested table of contents with GitHub-style anchor slugs, disambiguating duplicate headings with -1, -2, ... suffixes. Setext-style headings are not recognized, and headings inside fenced code blocks are ignored.",
+  {
+    markdown: z.string().describe("The Markdown document to scan for headings"),
+    minLevel: z.number().int().min(1).max(6).optional().describe("Shallowest heading level to include, defaults to 1"),
+    maxLevel: z.number().int().min(1).max(6).optional().describe("Deepest heading level to include, defaults to 6"),
+    ordered: z.boolean().optional().describe("Render as a numbered list instead of a bullet list, defaults to false")
+  },
+  async ({ markdown, minLevel, maxLevel, ordered }) => {
+    const result = _generateMarkdownTocMcp(markdown, minLevel ?? 1, maxLevel ?? 6, ordered ?? false);
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
+var _COMMIT_DEFAULT_TYPES_MCP = ["build", "chore", "ci", "docs", "feat", "fix", "perf", "refactor", "revert", "style", "test"];
+var _COMMIT_HEADER_RE_MCP = /^([A-Za-z][A-Za-z0-9-]*)(\(([^()]*)\))?(!)?: (.+)$/;
+var _COMMIT_FOOTER_LINE_RE_MCP = /^([A-Za-z][A-Za-z0-9-]*|BREAKING CHANGE)(: ?| #)(.*)$/;
+var _COMMIT_BREAKING_LOOKALIKE_RE_MCP = /^([A-Za-z][A-Za-z -]*?)(: | #)(.*)$/;
+var _COMMIT_BREAKING_TOKEN_RE_MCP = /^breaking[- ]change$/i;
+function _lintConventionalCommitMcp(message, types, maxHeaderLength) {
+  if (typeof message !== "string" || message.trim() === "") return { error: "message is required" };
+  if (message.length > 2e4) return { error: "message too long (max 20,000 chars)" };
+  const commitTypes = types && types.length > 0 ? types : _COMMIT_DEFAULT_TYPES_MCP;
+  const headerLimit = maxHeaderLength ?? 100;
+  const findings = [];
+  const lines = message.replace(/\r\n/g, "\n").split("\n");
+  const header = lines[0];
+  const match = header.match(_COMMIT_HEADER_RE_MCP);
+  const parsed = {
+    header,
+    type: null,
+    scope: null,
+    breaking: false,
+    description: null,
+    body: null,
+    footers: []
+  };
+  if (!match) {
+    findings.push({ rule: "header-format", severity: "error", message: "Header must match '<type>[(scope)][!]: <description>', e.g. 'feat(auth): add OAuth2 login'. A single space must follow the colon." });
+    return { message, valid: false, parsed, findings };
+  }
+  const [, type, scopeGroup, scope, bang, description] = match;
+  parsed.type = type;
+  if (scopeGroup !== void 0) {
+    const scopeContent = (scope ?? "").trim();
+    if (scopeContent === "") {
+      findings.push({ rule: "scope-empty", severity: "error", message: "Scope parentheses are present but empty; either remove the parentheses or put a scope inside them, e.g. fix(parser):." });
+    } else {
+      parsed.scope = scopeContent;
+    }
+  }
+  const trimmedDescription = description.trim();
+  if (trimmedDescription === "") {
+    findings.push({ rule: "subject-empty", severity: "error", message: "The description after the colon must not be empty." });
+  } else {
+    parsed.description = trimmedDescription;
+    if (trimmedDescription.endsWith(".")) {
+      findings.push({ rule: "subject-full-stop", severity: "warning", message: "The description should not end with a period." });
+    }
+  }
+  if (!commitTypes.includes(type.toLowerCase())) {
+    findings.push({ rule: "type-unknown", severity: "warning", message: `'${type}' is not one of the recognized types (${commitTypes.join(", ")}). This is only a convention, not a spec requirement, so a custom type is fine if your team has agreed on it.` });
+  }
+  if (type !== type.toLowerCase()) {
+    findings.push({ rule: "type-case", severity: "warning", message: "The type is conventionally lower-case. The spec itself is not case-sensitive about this, but nearly every tool and team defaults to lower-case." });
+  }
+  if (header.length > headerLimit) {
+    findings.push({ rule: "header-max-length", severity: "warning", message: `Header is ${header.length} characters, longer than the recommended maximum of ${headerLimit}.` });
+  }
+  let breaking = bang === "!";
+  if (lines.length > 1) {
+    if (lines[1].trim() !== "") {
+      findings.push({ rule: "missing-blank-line-before-body", severity: "error", message: "A blank line must separate the header from the body or footer." });
+    }
+    const rest = lines.slice(1).join("\n");
+    const paragraphs = rest.split(/\n{2,}/).map((p) => p.trim()).filter((p) => p !== "");
+    let footerParagraph = null;
+    if (paragraphs.length > 0) {
+      const last = paragraphs[paragraphs.length - 1];
+      const lastLines = last.split("\n");
+      if (lastLines.every((l) => _COMMIT_FOOTER_LINE_RE_MCP.test(l.trim()))) {
+        footerParagraph = last;
+        paragraphs.pop();
+      }
+    }
+    parsed.body = paragraphs.length > 0 ? paragraphs.join("\n\n") : null;
+    const footers2 = parsed.footers;
+    if (footerParagraph) {
+      for (const line of footerParagraph.split("\n")) {
+        const fm = line.trim().match(_COMMIT_FOOTER_LINE_RE_MCP);
+        if (!fm) continue;
+        const [, token, , value] = fm;
+        footers2.push({ token, value: value.trim() });
+      }
+    }
+    for (const f of footers2) {
+      if (_COMMIT_BREAKING_TOKEN_RE_MCP.test(f.token) && f.token !== "BREAKING CHANGE" && f.token !== "BREAKING-CHANGE") {
+        findings.push({ rule: "breaking-change-casing", severity: "error", message: `Found '${f.token}:' as a footer, but the spec requires the breaking-change token to be exactly 'BREAKING CHANGE' or 'BREAKING-CHANGE' (uppercase).` });
+      }
+    }
+    for (const p of paragraphs) {
+      for (const line of p.split("\n")) {
+        const bm = line.trim().match(_COMMIT_BREAKING_LOOKALIKE_RE_MCP);
+        if (bm && _COMMIT_BREAKING_TOKEN_RE_MCP.test(bm[1]) && bm[1] !== "BREAKING CHANGE") {
+          findings.push({ rule: "breaking-change-casing", severity: "error", message: `Found '${bm[1]}' near the end of the message, but it wasn't recognized as a breaking-change footer. The spec requires the exact uppercase token 'BREAKING CHANGE' (or 'BREAKING-CHANGE'), immediately followed by ': '.` });
+        }
+      }
+    }
+  }
+  const footers = parsed.footers;
+  const breakingFooter = footers.find((f) => f.token === "BREAKING CHANGE" || f.token === "BREAKING-CHANGE");
+  if (breakingFooter) {
+    breaking = true;
+    if (breakingFooter.value === "") {
+      findings.push({ rule: "breaking-change-empty", severity: "error", message: "A 'BREAKING CHANGE:' footer must be followed by a description of the breaking change." });
+    }
+  }
+  parsed.breaking = breaking;
+  const valid = !findings.some((f) => f.severity === "error");
+  return { message, valid, parsed, findings };
+}
+server.tool(
+  "lint_conventional_commit",
+  "Lint a commit message against the Conventional Commits v1.0.0 spec: header format (type(scope)!: description), blank-line separation before the body/footers, footer token format, and BREAKING CHANGE casing. Returns the parsed type/scope/description/body/footers plus a list of error and warning findings.",
+  {
+    message: z.string().describe("The full commit message: header, optional blank line, optional body, optional footers"),
+    types: z.array(z.string()).optional().describe("Override the recognized type list (default: build, chore, ci, docs, feat, fix, perf, refactor, revert, style, test). Unrecognized types are a warning, not an error."),
+    maxHeaderLength: z.number().optional().describe("Header length that triggers a warning (default 100)")
+  },
+  async ({ message, types, maxHeaderLength }) => {
+    const result = _lintConventionalCommitMcp(message, types, maxHeaderLength);
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
+function _calculateSavingsGoalMcp(mode, goalAmount, currentSavings, annualInterestRatePercent, monthlyContribution, months) {
+  if (mode !== "time-to-goal" && mode !== "contribution-for-target") {
+    return { error: "mode must be 'time-to-goal' or 'contribution-for-target'" };
+  }
+  if (!Number.isFinite(goalAmount) || goalAmount <= 0) return { error: "goalAmount must be a finite number greater than zero" };
+  if (!Number.isFinite(currentSavings) || currentSavings < 0) return { error: "currentSavings must be a finite, non-negative number" };
+  if (!Number.isFinite(annualInterestRatePercent) || annualInterestRatePercent < 0) {
+    return { error: "annualInterestRatePercent must be a finite, non-negative number" };
+  }
+  const round4 = (n) => Math.round(n * 1e4) / 1e4;
+  const r = annualInterestRatePercent / 100 / 12;
+  if (mode === "time-to-goal") {
+    if (typeof monthlyContribution !== "number" || !Number.isFinite(monthlyContribution) || monthlyContribution < 0) {
+      return { error: "monthlyContribution must be a finite, non-negative number" };
+    }
+    let exactMonths;
+    if (currentSavings >= goalAmount) {
+      exactMonths = 0;
+    } else if (monthlyContribution === 0) {
+      if (r === 0) return { error: "monthlyContribution must be greater than zero when annualInterestRatePercent is zero, since savings would never grow toward the goal" };
+      if (currentSavings <= 0) return { error: "monthlyContribution must be greater than zero when currentSavings is zero, since there is nothing to compound" };
+      exactMonths = Math.log(goalAmount / currentSavings) / Math.log(1 + r);
+    } else if (r === 0) {
+      exactMonths = (goalAmount - currentSavings) / monthlyContribution;
+    } else {
+      const denom = currentSavings + monthlyContribution / r;
+      const x = (goalAmount + monthlyContribution / r) / denom;
+      exactMonths = Math.log(x) / Math.log(1 + r);
+    }
+    const monthsRounded = Math.max(0, Math.ceil(exactMonths));
+    const finalBalance = r === 0 ? currentSavings + monthlyContribution * monthsRounded : currentSavings * Math.pow(1 + r, monthsRounded) + monthlyContribution * ((Math.pow(1 + r, monthsRounded) - 1) / r);
+    const totalContributed2 = monthlyContribution * monthsRounded;
+    const totalInterestEarned2 = finalBalance - currentSavings - totalContributed2;
+    return {
+      mode,
+      goalAmount: round4(goalAmount),
+      currentSavings: round4(currentSavings),
+      annualInterestRatePercent: round4(annualInterestRatePercent),
+      monthlyContribution: round4(monthlyContribution),
+      months: round4(exactMonths),
+      monthsRounded,
+      years: round4(monthsRounded / 12),
+      totalContributed: round4(totalContributed2),
+      totalInterestEarned: round4(totalInterestEarned2),
+      finalBalance: round4(finalBalance)
+    };
+  }
+  if (typeof months !== "number" || !Number.isFinite(months) || !Number.isInteger(months) || months <= 0) {
+    return { error: "months must be a positive integer" };
+  }
+  const growthOfCurrentSavings = r === 0 ? currentSavings : currentSavings * Math.pow(1 + r, months);
+  let requiredMonthlyContribution;
+  if (growthOfCurrentSavings >= goalAmount) {
+    requiredMonthlyContribution = 0;
+  } else if (r === 0) {
+    requiredMonthlyContribution = (goalAmount - currentSavings) / months;
+  } else {
+    requiredMonthlyContribution = (goalAmount - growthOfCurrentSavings) * r / (Math.pow(1 + r, months) - 1);
+  }
+  const totalContributed = requiredMonthlyContribution * months;
+  const totalInterestEarned = goalAmount - currentSavings - totalContributed;
+  return {
+    mode,
+    goalAmount: round4(goalAmount),
+    currentSavings: round4(currentSavings),
+    annualInterestRatePercent: round4(annualInterestRatePercent),
+    monthlyContribution: round4(requiredMonthlyContribution),
+    months,
+    monthsRounded: months,
+    years: round4(months / 12),
+    totalContributed: round4(totalContributed),
+    totalInterestEarned: round4(totalInterestEarned),
+    finalBalance: round4(goalAmount)
+  };
+}
+server.tool(
+  "calculate_savings_goal",
+  'Standard time-value-of-money arithmetic for an ordinary annuity (contributions at the end of each month, compounded monthly). Mode "time-to-goal" solves for how many months it takes to reach a savings goal given a fixed monthly contribution; mode "contribution-for-target" solves for the monthly contribution required to reach the goal in a given number of months. Pure closed-form formulas, no live rate data.',
+  {
+    mode: z.enum(["time-to-goal", "contribution-for-target"]).describe("Which quantity to solve for"),
+    goalAmount: z.number().describe("The target savings amount (must be greater than zero)"),
+    currentSavings: z.number().describe("Current savings balance (cannot be negative)"),
+    annualInterestRatePercent: z.number().describe("Nominal annual interest rate as a percent, compounded monthly (cannot be negative)"),
+    monthlyContribution: z.number().optional().describe('Required for mode "time-to-goal": the fixed amount contributed each month'),
+    months: z.number().optional().describe('Required for mode "contribution-for-target": the target number of months (positive integer)')
+  },
+  async ({ mode, goalAmount, currentSavings, annualInterestRatePercent, monthlyContribution, months }) => {
+    const result = _calculateSavingsGoalMcp(mode, goalAmount, currentSavings, annualInterestRatePercent, monthlyContribution, months);
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
 var transport = new StdioServerTransport();
 await server.connect(transport);

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@utilix-tech/mcp",
-  "version": "0.33.0",
+  "version": "0.35.0",
   "description": "MCP server exposing 152 Utilix developer tools to Claude, Cursor, VS Code Copilot, and any MCP-compatible AI assistant.",
   "author": "Utilix <hello@utilix.tech>",
   "license": "MIT",